Updated October 21, 2026 · SumCue Editorial Team
DirectAsia vs Income Insurance
DirectAsia
Income Insurance
Higher score in this comparison
What sets them apart
| Compare | DirectAsiaReviewVisitVisit | Income InsuranceReviewVisitVisit |
|---|---|---|
| Insurance types | Auto, Motorcycle, Travel | Auto, Home, Life, Health, Travel, Pet, MotorcycleCovers more |
| Excess from | SGD 30Lower | SGD 250 |
| Cover limit | SGD 500,000 overseas medical | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) |
| Claims channels | Phone, Online | Phone, Email, Online form, Mobile app, Customer portal |
| Age range | 15 days to below 81 years | Pet insured must be at least 16 weeks old and below 9 years old at policy start |
| Premium from | Not confirmed | SGD 0.60 |
Same on both: Provider type (Insurer).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Income Insurance scores higher overall: 9.4 vs 9.1.
- Founded is lower at Income Insurance: 1970 vs 2010.
- Excess from is lower at DirectAsia: SGD 30 vs SGD 250.
- Insurance types: only Income Insurance offers Home, Life, Health.
- Claims channels: only DirectAsia offers Online.
- Claims channels: only Income Insurance offers Email, Online form, Mobile app.
Our verdict on each
DirectAsia
DirectAsia suits drivers and travellers in Singapore seeking cover from a direct carrier under insurer with a focused range covering auto, motorcycle and travel. Travel plans include SGD 500,000 overseas medical which gives higher overseas medical scope for your household needs across the year.
Income Insurance
Income Insurance is a Singapore insurer selling auto, home, life, health, travel, pet and motorcycle cover, with a starting premium of SGD 0.60. It suits households that want several kinds of cover under one insurer, and seniors sit among the audience it names.
Score breakdown
| Area | DirectAsia | Income Insurance |
|---|---|---|
| Cost | 9.2HigherExcess starts at SGD 30 keeping entry costs clear on relevant travel plans | 9.1Starting premium of SGD 0.60 ranks 25 of 251 brands on premium from, while pet cover carries an excess of SGD 250. |
| Offer | 8.9Eligibility spans 15 days to below 81 years giving wide scope for family travel | 9.5Higher |
| Trust | 9.1Singapore base shown by SG with roots since 2010 | 9.5Higher |
Availability and regulation
| Country | DirectAsia | Income Insurance |
|---|---|---|
| Singapore | Not confirmed |
Available in 1 country for both.
How they place
| Ranking | DirectAsia | Income Insurance |
|---|---|---|
| Insurance | 35 of 627 | 15 of 627 |
| Car insurance | 15 of 279 | 3 of 279 |
| Travel insurance | 22 of 278 | 8 of 278 |
Where these facts come from
DirectAsia
- directasia.com: 11 facts, checked September 30, 2026
Income Insurance
- income.com.sg: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | DirectAsia | Income Insurance |
|---|---|---|
| Audience | Seniors | Seniors |
| Legal entity | Auto & General Insurance (Singapore) Pte. Limited trading as DirectAsia Insurance | Income Insurance Limited |
| Headquarters | Singapore | Singapore |
| Founded | 2010 | 1970Lower |
| Support channels | Phone, Email, Help centre | Phone, Email, Help centre |
Pros and cons
DirectAsia
Pros
- Direct cover as an insurer under insurer with motor and travel options in auto, motorcycle and travel
- Overseas medical scope reaches SGD 500,000 overseas medical for trips where health costs matter
- Family travel notes seniors in seniors alongside broad eligibility
Cons
- Range stays centred on auto, motorcycle and travel while Linxea focuses on life for life savings
- Support runs on phone, email and help centre only, which may feel limited if you prefer chat
- Travel excess applies at SGD 30 so small claims may bring little payout
Income Insurance
Pros
- One insurer handles auto, home and life.
- Starting premiums of SGD 0.60, with the site's median starting premium at €8.31.
- Claims can be started through phone, email and online form.
Cons
- The pet policy starts at an excess of SGD 250, and its annual cover is capped at a set maximum.
- The pet line under auto, home and life only begins inside a set age band, so an older animal falls outside it.
- Pricing and cover sit in a single market, SG, and the only audience named is seniors.
Who each suits
DirectAsia
Who it suits
- Drivers and riders who want motor cover in auto, motorcycle and travel rather than the health led shelf of Oney Préstamos
- Families arranging travel with seniors noted in seniors rather than the account linked travel of bunq Spain
Who should look elsewhere
- If you want life savings cover, Linxea may fit better with life rather than motor and travel
- If you want health or gadget protection, Oney Préstamos may fit better with health, life and gadget
Income Insurance
Who it suits
- Households in Singapore who want motor, home, life, health, travel, pet and motorcycle cover arranged with one provider.
- Seniors, the only audience named under seniors.
- Pet owners with a young animal who are comfortable paying SGD 250 first on a vet bill.
Who should look elsewhere
- Readers chasing the lowest starting premium on the site, since bunq and bunq Spain list €0 and €0.
- Anyone who needs cover in a market other than SG, for whom bunq Spain is the option here tied to a different country.
Current offers
Income Insurance
Current offer
Discount code
Up to 20% off + 188,000 STAR$ on Domestic Helper Insurance: up to 20% off + 188,000 STAR$
Promo code GDH188 at checkout for qualifying policies purchased via Income Insurance website or My Income app
Source, checked September 26, 2026
Bonus
Up to 8% cashback on first-year premium for Complete Life Secure: up to 8% cashback on first-year premium
Purchase of an eligible Complete Life Secure plan, with Early Critical Secure rider
Source, checked September 26, 2026
Country by country
| Country | DirectAsia | Income Insurance |
|---|---|---|
| Singapore | Yes | Yes |
Questions about each
DirectAsia
What types of insurance does DirectAsia offer?+
DirectAsia lists cover for auto, motorcycle and travel. That focused choice suits you if your main needs are a car, a motorbike or a holiday, rather than home or life cover.
How much overseas medical cover can you get?+
Travel cover includes SGD 500,000 overseas medical. That level suits you if overseas hospital bills are your main worry, though you should still check sub limits and exclusions in the wording.
Income Insurance
What kinds of insurance does Income Insurance sell?+
Income Insurance writes auto, home and life policies, so motor, home, life, health, travel, pet and motorcycle cover all sit with one provider. It is classed as an insurer rather than a comparison site, and it operates from SG.
What is the cheapest premium?+
The advertised starting premium is SGD 0.60. The site's median starting premium is €8.31, with a lower quartile of €2.92 and an upper quartile of €29.72. Income sits in the cheaper part of that range.
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